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Buy nowAs long as you don't need Payroll, Bank Feed, etc. Older versions of QBDT will just keep working. You don't have to update if you don't want to.
I have a number of clients that are not updating because of Intuit's choice of getting rid of QBDT and only offer the MUCH more expensive Enterprise version. Enterprise may be a great program for larger companies, but way to expensive for most SMBs. So they're either leaving (not wanting to go to QB Online) or staying with their old version and downloading the bank files manually. (Again, it may not be an option if you use their Payroll.)